Insurance*

Enter your Insurance is the foundation of any financial plan. Without it everything you have worked so hard to build can be wiped out. Worse yet the ones you love can have their financial stability destroyed. Insurance is to protect you from the unexpected. The only people who need insurance are those that have someone they love and they want to be responsible for their well being or they want to make sure they are taken care of should something happen to them. here...

Life Insurance

When talking about life insurance, I find that many people are confused about the different types that are available, what kind might be best for them, and how much they need? They do not understand the different uses for life insurance, why convertibility may be important, the cheapest plan may not be the best, and why they may still want insurance when they are retired. Let me help you understand your options, and let's build a plan for you.

Are your beneficiaries up to date?

Things you may not know about life insurance

Term Insurance may be useful for temporary needs
Cash Value in Life Insurance grows tax deferred
Cash Value can be distributed tax free.
Cash accumulation in life insurance is usually creditor protected vs non-qualified investments
Some polices have Chronic Illness Benefits, which allow owner to receive a portion of death benefit if insured meets 2 activities of daily living, before they have passed away.
Some policies allow for payout of a portion of death benefit if insured is deemed terminally ill

Disability Insurance

During your working years, your ability to earn an income is one of your most important assets. Just figure ou how much you make and multiply it by the number of years you plan to work until retirement. See that's a pretty big number. People protect their homes and cars because they value these assets, but most people do not think to protect their stream of income. What would you do if you became sick or hurt? How would you pay your expenses. What impact would this have on your future. I know we all think it won't happen to me...

Long Term Care

Did you know a person age 65 has a 70% chance of needing some form of long-term care during retirement.* How would this impact your spouse? Do you know how you would pay for your care? If you have LTC Insurance, do you understand the waiting period, how long would it will last, and what is the benefit.

*Centers for Medicare and Medicaid Services, "Medicare and You2016"

24363 Spring Creek Rd. Suite B

Washington, IL 61571

e JAntrobus@MilestoneAvisory.com

p (309) 213-2665

f (877) 852-9890

Milestone Advisory Group, LLC a Registered Investment Advisor in the state of IL.

*Insurance products and services offered by John Antrobus as a sole proprietor.

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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Milestone Advisory Group, LLC and our editorial staff. The information contained in this material has been derived from sources believed to be reliable, but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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